*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--fg);font-family:var(--font-body);font-size:17px;line-height:1.65}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--link,var(--accent))}
h1,h2,h3,h4{font-family:var(--font-head);line-height:1.2;margin:0 0 .6em;color:var(--head,var(--fg))}
h1{font-size:clamp(2rem,4.5vw,3.3rem)}h2{font-size:clamp(1.5rem,3vw,2.2rem)}h3{font-size:1.25rem}
p{margin:0 0 1.1em}
.wrap{width:min(1140px,92vw);margin:0 auto}
.narrow{width:min(760px,92vw);margin:0 auto}
.skip{position:absolute;left:-999px}.skip:focus{left:1rem;top:1rem;background:#fff;color:#000;padding:.5rem 1rem;z-index:99}
.site-header{position:sticky;top:0;z-index:50;background:var(--header-bg,var(--bg));border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:68px}
.brand{display:flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--header-fg,var(--fg));font-family:var(--font-head);font-weight:800;font-size:1.15rem;letter-spacing:.01em}
.brand svg{width:34px;height:34px}
.nav{display:flex;gap:1.3rem;align-items:center}
.nav a{color:var(--header-fg,var(--fg));text-decoration:none;font-size:.95rem;font-weight:600;opacity:.88}
.nav a:hover,.nav a[aria-current]{opacity:1;text-decoration:underline;text-underline-offset:5px}
.nav-toggle{display:none;background:none;border:1px solid var(--line);color:var(--header-fg,var(--fg));border-radius:8px;padding:.45rem .7rem;font-size:1rem;cursor:pointer}
@media(max-width:860px){.nav-toggle{display:block}.nav{display:none;position:absolute;left:0;right:0;top:68px;background:var(--header-bg,var(--bg));flex-direction:column;align-items:flex-start;padding:1rem 4vw 1.5rem;border-bottom:1px solid var(--line)}.nav.open{display:flex}}
.btn{display:inline-block;background:var(--accent);color:var(--on-accent,#fff);padding:.8rem 1.4rem;border-radius:var(--radius);text-decoration:none;font-weight:700;border:2px solid var(--accent);cursor:pointer;font-size:1rem;font-family:inherit;transition:transform .15s}
.btn:hover{transform:translateY(-2px)}
.btn.ghost{background:transparent;color:var(--accent)}
.btn.small{padding:.5rem .95rem;font-size:.9rem}
.section{padding:clamp(3rem,7vw,5.5rem) 0}
.section.alt{background:var(--alt-bg)}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:800;color:var(--accent);margin-bottom:.7rem;display:block}
.lead{font-size:1.2rem;color:var(--muted)}
.muted{color:var(--muted)}
.grid{display:grid;gap:1.5rem}
.g2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.g3{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.g4{grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem;box-shadow:var(--shadow,none)}
.card h3 a{color:inherit;text-decoration:none}.card h3 a:hover{text-decoration:underline}
.tag{display:inline-block;font-size:.75rem;font-weight:700;padding:.2rem .6rem;border-radius:999px;background:var(--tag-bg);color:var(--tag-fg);margin-bottom:.6rem}
.prose h2{margin-top:2rem}.prose h3{margin-top:1.6rem}
.prose ul,.prose ol{padding-left:1.3rem;margin:0 0 1.2em}.prose li{margin-bottom:.4em}
.callout{border-left:4px solid var(--accent);background:var(--alt-bg);padding:1rem 1.25rem;border-radius:0 var(--radius) var(--radius) 0;margin:1.5rem 0}
.disclosure-bar{font-size:.85rem;background:var(--alt-bg);border:1px dashed var(--line);padding:.7rem 1rem;border-radius:var(--radius);margin:0 0 1.5rem}
table{width:100%;border-collapse:collapse;font-size:.95rem}
th,td{text-align:left;padding:.75rem .8rem;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--alt-bg);font-family:var(--font-head)}
.table-scroll{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius)}
.signup{background:var(--signup-bg,var(--accent));color:var(--signup-fg,#fff);border-radius:calc(var(--radius)*1.5);padding:clamp(1.6rem,4vw,3rem);display:grid;gap:1.2rem;grid-template-columns:1.2fr 1fr;align-items:center}
.signup h2,.signup h3{color:inherit}
.signup p{margin:0;opacity:.92}
@media(max-width:760px){.signup{grid-template-columns:1fr}}
.signup form,.form{display:flex;flex-wrap:wrap;gap:.6rem}
.signup input,.form input,.form textarea,.form select{flex:1 1 220px;padding:.8rem 1rem;border-radius:var(--radius);border:1px solid var(--line);font:inherit;background:#fff;color:#111}
.form{flex-direction:column}.form label{font-weight:700;font-size:.92rem}
.form textarea{min-height:140px}
.signup button{background:var(--signup-btn,#111);color:var(--signup-btn-fg,#fff);border:0;border-radius:var(--radius);padding:.8rem 1.3rem;font-weight:800;cursor:pointer;font:inherit;font-weight:800}
.form-msg{flex-basis:100%;font-size:.88rem;margin:.3rem 0 0;min-height:1em}
.fine{font-size:.8rem;opacity:.8;flex-basis:100%}
.site-footer{background:var(--footer-bg);color:var(--footer-fg);padding:3rem 0 2rem;font-size:.92rem;margin-top:0}
.site-footer a{color:var(--footer-fg)}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:2rem}
@media(max-width:760px){.footer-grid{grid-template-columns:1fr}}
.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin:.35rem 0}
.footer-note{border-top:1px solid rgba(255,255,255,.15);margin-top:2rem;padding-top:1.2rem;font-size:.82rem;opacity:.85}
.breadcrumb{font-size:.85rem;color:var(--muted);margin-bottom:1rem}.breadcrumb a{color:var(--muted)}
.article-meta{color:var(--muted);font-size:.9rem;margin-bottom:2rem}
.toc{background:var(--alt-bg);border-radius:var(--radius);padding:1rem 1.4rem;margin:1.5rem 0}
.placeholder{outline:2px dashed #e0457b;outline-offset:2px;background:rgba(224,69,123,.08)}
.page-hero{padding:clamp(2.5rem,6vw,4.5rem) 0 1.5rem}
details{border:1px solid var(--line);border-radius:var(--radius);padding:1rem 1.2rem;margin-bottom:.8rem;background:var(--card)}
summary{font-weight:700;cursor:pointer}
.checklist li{list-style:none;position:relative;padding-left:1.8rem}.checklist li::before{content:"☐";position:absolute;left:0;color:var(--accent);font-weight:700}
@media print{.site-header,.site-footer,.signup,.no-print{display:none!important}body{font-size:12pt}}

:root{--bg:#fff;--fg:#13213a;--head:#0c2340;--accent:#0c7a5a;--on-accent:#fff;--link:#0b5f8a;--alt-bg:#eef3f9;--card:#fff;--line:#d8e0ec;--muted:#4f5d75;--radius:10px;--tag-bg:#e0f5ec;--tag-fg:#0a6a4e;
--font-head:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;--font-body:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;--header-bg:#fff;--header-fg:#0c2340;--footer-bg:#0c2340;--footer-fg:#c9d6ea}
h1,h2,h3{font-weight:800;letter-spacing:-.015em}
.nav{gap:1.05rem}.nav a{font-size:.9rem}
.topbar{background:#0c2340;color:#dbe7f7;font-size:.8rem;text-align:center;padding:.4rem 4vw;line-height:1.4}.topbar a{color:#9be7c9}
.hero{background:linear-gradient(135deg,#0c2340 0%,#13406b 100%);color:#e6eefb;padding:clamp(2.4rem,6vw,4.4rem) 0}
.hero h1{color:#fff;font-size:clamp(1.9rem,4.2vw,3rem)}.hero .lead{color:#c6d6ee}
.hero .btn{background:#10b981;border-color:#10b981;color:#06231a}.hero .btn.ghost{background:transparent;color:#fff;border-color:#6fa8dc}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:2.2rem;align-items:center}@media(max-width:900px){.hero .wrap{grid-template-columns:1fr}}
.ratebox{background:#fff;color:var(--fg);border-radius:14px;padding:1.1rem 1.2rem;box-shadow:0 10px 30px rgba(0,0,0,.25)}
.ratebox h2{font-size:1.05rem;margin:0 0 .2rem}.ratebox .sub{font-size:.78rem;color:var(--muted);margin:0 0 .7rem}
.rates{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:.8rem;margin:1rem 0}
.ratebox .rates{grid-template-columns:1fr 1fr;margin:.4rem 0}@media(max-width:420px){.ratebox .rates{grid-template-columns:1fr}}
.rc{border:1px solid var(--line);border-radius:10px;padding:.75rem .85rem;background:#fff}
.rc .lbl{font-size:.8rem;font-weight:700;color:var(--head);line-height:1.3;min-height:2.1em}
.rc .val{font-size:1.7rem;font-weight:800;color:#0c2340;line-height:1.1;margin:.25rem 0 .1rem}
.rc .chg{font-size:.78rem;font-weight:700}.chg.up{color:#b42318}.chg.down{color:#067647}.chg.flat{color:var(--muted)}
.rc .asof{font-size:.74rem;color:var(--muted)}
.rc svg.spark{width:100%;height:40px;margin:.35rem 0 .1rem}
.rc .srcl{font-size:.7rem;color:var(--muted);line-height:1.35}.rc .srcl a{color:var(--muted)}
.notoffer{display:inline-block;font-size:.7rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;background:#fff4d6;color:#6b4e00;border-radius:999px;padding:.15rem .55rem}
.chart{width:100%;height:auto;background:#fff;border:1px solid var(--line);border-radius:10px}
.answer{background:#eef7f3;border:1px solid #bfe3d3;border-radius:10px;padding:1.1rem 1.3rem;margin:0 0 1.8rem}
.answer > strong:first-child{display:block;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:#0a6a4e;margin-bottom:.35rem}
.answer p:last-child{margin-bottom:0}
.meta-row{display:flex;flex-wrap:wrap;gap:.4rem 1rem;color:var(--muted);font-size:.88rem;margin:-.2rem 0 1.2rem}
.notlender{background:#fff7e6;border:1px solid #f3c969;color:#4d3700;border-radius:10px;padding:.8rem 1rem;font-size:.88rem;margin:0 0 1.5rem}
.byline{display:flex;gap:1rem;align-items:flex-start;border:1px solid var(--line);border-radius:10px;padding:1rem 1.2rem;margin:2.2rem 0;font-size:.92rem;background:#fff}
.byline svg{width:44px;height:44px;flex:none}
.sources{font-size:.9rem}.sources li{margin-bottom:.5rem}
.cta{border:2px solid #0c7a5a;border-radius:12px;padding:1.2rem 1.4rem;margin:2rem 0;background:#fbfffd}
.cta h2,.cta h3{margin-top:0!important;font-size:1.2rem}
.cta .fine{display:block;margin-top:.6rem;font-size:.8rem;color:var(--muted);opacity:1}
.fine-free{display:none}
.paid{font-size:.75rem;color:var(--muted);margin-left:.4rem}
.btn-row{display:flex;flex-wrap:wrap;gap:.5rem;align-items:center;margin:.6rem 0}
.related{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:.8rem;margin:1rem 0 0;padding:0;list-style:none}
.related li a{display:block;border:1px solid var(--line);border-radius:8px;padding:.8rem 1rem;text-decoration:none;font-weight:700;color:var(--head);background:#fff;height:100%}
.related li a:hover{border-color:#0c7a5a}
.keyterms{border:1px solid var(--line);border-radius:10px;padding:.9rem 1.1rem;margin:1.5rem 0;background:#fafcff;font-size:.92rem}
.keyterms strong{display:block;margin-bottom:.4rem}.keyterms ul{display:flex;flex-wrap:wrap;gap:.35rem .5rem;list-style:none;margin:0;padding:0}
.keyterms li a{display:inline-block;border:1px solid var(--line);border-radius:999px;padding:.15rem .6rem;text-decoration:none;background:#fff;font-size:.85rem}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:1rem}
.cards .card{padding:1.2rem}.cards .card h3{font-size:1.05rem;margin-bottom:.4rem}.cards .card p{margin:0;font-size:.93rem}
.calc{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:1rem}
.calc fieldset{border:1px solid var(--line);border-radius:10px;padding:1rem 1.1rem;margin:0;background:#fff}
.calc legend{font-weight:800;padding:0 .3rem}
.calc label{display:block;font-size:.85rem;font-weight:700;margin:.6rem 0 .2rem}
.calc input[type=number],.calc input[type=text]{width:100%;padding:.55rem .7rem;border:1px solid var(--line);border-radius:6px;font:inherit}
.calc .cb{display:flex;gap:.5rem;align-items:center;font-weight:600}
.hint{font-size:.75rem;color:var(--muted);font-weight:400}
#calc-out{margin:1.2rem 0}#calc-out caption{text-align:left;font-weight:800;padding:.4rem 0;color:var(--head)}
#calc-out table td,#calc-out table th{text-align:right}#calc-out table td:first-child,#calc-out table th:first-child{text-align:left}
.best{background:#e0f5ec;font-weight:800}
.notice{font-size:.88rem;background:#fff8e6;border:1px solid #f3d48a;border-radius:8px;padding:.8rem 1rem;margin:1.2rem 0}
.src{font-size:.82rem;color:var(--muted)}
.partner-slot{border:2px dashed #9fb3cc;border-radius:12px;padding:1.1rem 1.3rem;margin:1.6rem 0;background:#f7f9fc}
.partner-slot h2,.partner-slot h3{margin-top:0!important;font-size:1.15rem}
.eho{display:flex;gap:.7rem;align-items:flex-start;font-size:.82rem;margin:1.4rem 0}.eho-ico{width:30px;height:30px;flex:none}
.site-footer .eho{color:var(--footer-fg)}
.gloss-nav{display:flex;flex-wrap:wrap;gap:.35rem .6rem;font-size:.88rem;margin:1rem 0 2rem}
.term{border-top:1px solid var(--line);padding:1.3rem 0 .4rem;scroll-margin-top:90px}.term h3{margin:0 0 .4rem;font-size:1.2rem}
.term dl{margin:.5rem 0}.term dt{font-weight:800;font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin-top:.6rem}.term dd{margin:.15rem 0 0}
.term:target{background:#fffbe8}
.prose table{margin:1rem 0}
@media(max-width:600px){body{font-size:16px}.rc .val{font-size:1.45rem}}